Owner Operators Truck Insurance Near Me Galveston Island, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Galveston Island, Texas. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Galveston Island, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Galveston Island, Texas in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Galveston Island ( GAL-vis-tən) is a barrier island on the Texas Gulf Coast in the United States, about 50 miles (80.5 km) southeast of Houston. The entire island, with the exception of Jamaica Beach, is within the city limits of the City of Galveston in Galveston County.
The island is about 27 miles (43.5 km) long and no more than 3 miles (4.8 km) wide at its widest point. The island is oriented generally northeast-southwest, with the Gulf of Mexico on the east and south, West Bay on the west, and Galveston Bay on the north. The island’s main access point from the mainland is the Interstate Highway 45 causeway that crosses West Bay on the northeast side of the island.
The far north end of the island is separated from the Bolivar Peninsula by Galveston Harbor, the entrance to Galveston Bay and the Houston Ship Channel. Ferry service is available between Galveston Island and the Bolivar Peninsula. The southern end of the island is separated from the mainland by San Luis Pass. The San Luis Pass-Vacek Toll Bridge connects the San Luis Pass Road on Galveston Island with the Bluewater Highway that leads south into the town of Surfside Beach.
The residents of the island (the nontourists) classify themselves in two ways: born on the island (BOI) and islander by choice (IBC). “BOI” is cited in print from at least 1956 and “IBC” is cited in print from 1975.
All residents are zoned to Ball High School.
Colleges and universities include:
At the time of European encounter, Akokisa and Karankawa indigenous Americans lived and camped on what became known as Galveston Island. Earlier cultures likely used it as well for seasonal fishing and hunting.
Historians believe the island is where Álvar Núñez Cabeza de Vaca and his small party made a brief stopover in November 1528, during his lengthy and notable survival odyssey.
Jao de la Porta, along with his brother Morin, financed the first settlement by ethnic Europeans on Galveston Island in 1816. Jao de la Porta was born in Portugal of Jewish parentage; he became a trader in Texas.
(De la Porta was named supercargo for the Karankawa Indian trade and later became a full-time trader.)
The privateer Jean Lafitte brought his men and followers from Louisiana to the island, naming his settlement Campeche, after the older settlement on the Yucatan Peninsula. For a few years, the island and the bay were their base for piracy and smuggling in slaves after the United States had ended its international slave trade in 1808. After attacking an American ship, Lafitte was forced in 1821 to leave by the US Navy.
With the advent of Mexican independence in 1821, and the Texas revolution soon after in 1836, the Anglo-American population in the Republic of Texas began to grow rapidly. The island quickly became Texas’ primary port and a destination for immigration. Following Texas’ annexation by the United States in 1845, the island’s population soon surpassed the population of San Antonio. It became the state’s major population center, a title it would hold until nearly the end of the 19th century. Galveston for a time before the American Civil War was the largest cotton shipping port in the world and the second-largest port for immigration in the United States. In the mid-19th century, it was a major port of entry for the many Germans who entered the state.
During the Civil War, the Union army seized control of the island from the South for a few months during early 1863. Confederate forces commanded by John B. Magruder expelled them from the island, and the Confederates controlled it for the remainder of the war.
On September 8, 1900, the greatest natural disaster to ever strike the United States occurred at Galveston. In the early evening hours of September 8, the Galveston hurricane of 1900 came ashore, bringing with it a great storm surge that inundated most of Galveston Island and the city of Galveston. As a result, much of the city was destroyed, and at least 6,000 people were killed in a few hours.
Isaac M. Cline, the meteorologist in charge of the local Weather Bureau, lived on Galveston Island. Cline was aware of a storm in the Gulf based on previous reports from Florida. Although weather conditions were relatively calm on September 7, Cline observed the rough seas and the high waves that seemed to become more ominous by the hour. He sent a telegram to Washington, D.C., saying he thought a large part of the city was going to be underwater. He predicted a very heavy loss of life.
After the hurricane passed, the state and city constructed a seawall around the settled portion of the island. Some houses were razed, and the many new ones to be constructed were built on stilts. Sand dredged from nearby waterways was pumped into the area within the seawall. In time, the elevation of the eastern portion of the island was raised by as much as 17 ft (5.2 m).
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.
